PHILLIPS INSURANCE AGENCY offers six ways to

save on your auto insurance

1.   Get the best rates. The cost of an auto policy can vary for the same driver with the same or comparable coverages from one insurance company to the next. That’s why, as an independent agent, we are not tied to one carrier and can help you to select the best coverage for your needs. At your next renewal we will obtain prices from multiple carriers and get you the lowest price.

2.   Review discounts available to you and make sure you are taking advantage of them. Discounts can save you a significant amount of money on your insurance premium. Some common examples include paid in full discounts, home ownership discounts, anti-theft discounts and defensive driving course discounts.

3.   Carry higher deductibles. Raising your deductible can help to reduce an insurance premium by as much as 10-30 percent. The higher the deductible. The lower your premium.

4.   Review whether collision and/or comprehensive coverage is necessary for your older car. Many insurance companies only pay claims equal to a car’s actual cash value, so this coverage may not be worth keeping if a car’s value has significantly depreciated. It may make sense to drop the coverage when the collision premium equals 10 percent of the car’s actual cash value.

5.   Group your policies. Some insurers will give you a multiple-policy discount if you have your auto, home and personal liability coverage with them.

6.   Make an appointment with us. As an independent insurance agency, we would be happy to review all of these aspects of your insurance coverage and much more in an effort to help you lower your rates. Call today for an appointment.

Our agency offers insurance coverage and advice for all of our customers’ insurance needs including home, auto, watercraft and other recreational vehicles. Further, Phillips Insurance Agency offers its customers local, personalized and responsive service, as well as assistance with claims—all in addition to ensuring our customers get the most out of their insurance policies.

New options may be confusing, but Phillips Insurance Agency has the experience and knowledge to help you understand your auto insurance choices. Fill out a Quick Quote today to receive a free auto insurance quote.